Financial Funding Providers

As early as the start of the Millennium computer software program has been used to detect fraud. Completed his undergraduate diploma in enterprise administration on the Johannes Kepler University of Linz with a concentrate on marketing and accounting, and his postgraduate training on the LIMAK Linz with an MBA in Normal Administration. He has a total of 26 years of skilled experience in technical and management positions in Austrian and international firms within the sectors of monetary auditing providers, food trade, logistics, and the petroleum industry. Since 2004 he has been a freelance firm and personnel guide, and since 2008 an independent companion and advisor for ISG Personnel Administration GmbH.

The last consideration was, that the Sustainable Finance Roadmap in Indonesia, issued by the Monetary Companies Authority (OJK), needs to be followed up with a regulation that’s specific and binding to all financial companies institutions, issuer companies, and public corporations.” Thus, this POJK truly is inseparable from the substance of the Sustainable Finance Roadmap, issued on the end of 2014. This also implies that the targets said within the Roadmap – together with the timeframe – also develop into a reference for the POJK.

The necessity is multiplied by the truth that customers in in the present day’s world need immediate gratification concerning their queries and problems. With the increase in telecommunication services and the decrease in their costs, they want to name up a company and find the solutions to their problems as rapidly as potential at once. This causes plenty of issues for the service suppliers, as they should both rent a name center or set up certainly one of their very own to offer services to their customers. Improved monetary well being is nice for enterprise. Financially healthy prospects provide new opportunities for increased engagement, loyalty, and lengthy-time period income streams. Thriving workers result in higher productiveness and increased retention.

Throughout her maternity break she decided to work part-time for ISG in 2004, primarily to get knowledge of telemarketing and acquisition in addition to her longtime experience in the fields of bank, insurance coverage, tax consultancy, auditing and accounting, controlling, venture-management, start-up-consultancy and human assets consultancy. On the idea of her definitive curiosity in human resources management, her pleasure in contact with shoppers as well as her above-common personal effort she has been working as managing partner of ISG with her own workforce and workplace in Guntramsdorf (Decrease Austria) since 2006.

Wireless expertise is evolving quickly, and it could possibly be an important growth for what you are promoting. Many retailers have seen their gross sales volume multiply after establishing a wi-fi service provider account for credit card processing. A motor automobile that leaves one speechless shouldn’t be left unprotected. To safeguard the world-class efficiency and appearance of yours, we proudly provide the Rolls-Royce Safety Plan. A various suite of optional safety merchandise delivered to you by Rolls-Royce Motor Cars Monetary Providers. Speak with your approved Rolls-Royce supplier relating to one of the best ways to handle the continuing care of your Rolls-Royce motor car.

Financial Companies Application Continuous Delivery Quali

The financial services industry is without doubt one of the most sophisticated, globally integrated, and highly regulated industries. From 1980 to 1983, Steve Bye was Assistant Vice President and Manager of Coldwell Banker Actual Estate Financial Providers in Denver. He held the position of Real Property Officer for Northwestern Mutual Life Insurance Company in Denver from 1978-1980. He was Supervisor of Actual Estate Appraisal and Employees Underwriting for Verex Assurance Company in Madison, Wisconsin from 1975-1978. Previous to that, he held workers appraisal positions for an MAI firm and for First Federal Financial savings in Milwaukee, Wisconsin. In 1976, he was appointed to the Planning Fee of the City of Madison, Wisconsin by the mayor.

Whenever you outsource your monetary actions to the businesses within the Philippines, they may expertly handle all non-core capabilities like accounting and finance for years. In addition to the cost containment, Filipino outsourcing firms can enhance your business effectivity, restore focus, and improve profitability. The service supplier assumes all responsibility for system administration and upkeep eliminating any worries about server failures. Customers should not have to maintain up with updates and schedule down time for conversions.

Globally, more than 2 billion adults wouldn’t have a proper bank account, most of them in creating economies. Low ranges of financial inclusion symbolize a barrier to socio-economic growth in developing international locations. Cellular money generally is a game changer for folks of restricted income and an enabler for monetary inclusion in growing countries. The financial services-ready public cloud is expected to run on IBM’s public cloud, which uses Crimson Hat® OpenShift® as its major Kubernetes surroundings to handle containerized software program across the enterprise, and includes more than one hundred ninety API pushed, cloud native PaaS providers to create new and enhanced cloud-native apps.

UBS Monetary Companies has places of work on every continent. It operates in Switzerland, the United States, Canada, South America, Europe, the Center East, Asia and Africa. If even this comprehensive community does not put you close to a department of UBS Monetary Companies you can use the banking on-line service. UBS Monetary Companies on-line banking affords the convenience of constructing choices from the comfort of your personal house and provides the identical range of wealth administration and investment providers. Miles can be credited to your KrisFlyer account within 2 to 4 weeks after your conversion request.

Significant enhancements in financial health require an built-in, cross-sector approach. A productive monetary well being network requires stakeholders throughout industries, together with monetary institutions, service providers, expertise innovators, policy influencers, and nonprofits. The medical billing and coding sector guarantees a great profession in the medical business. Medical coders are accountable for transferring diagnostic assessments, reviews and medical data into codes while medical billers upon verifying the codes, submit and comply with up on claims to insurance coverage firms. How much do these professionals make? What does their work demand? How essential is the process of medical billing and coding? For more on this read by the following articles.

Financial Providers Jobs In Indonesia

Economic development brings progress in financial industries. 2)Wrap Fee Funding Accounts: From the very beginnings of wealth, the very wealthy employed Investment Managers to guard and to develop their portfolios. Most Investment Managers had just a few enormous purchasers that they tended to while the rest of the fledging financial industry focused on property safety and property creation via life insurance. Most of immediately’s (salaried) Investment Managers are employed by Monetary Institutions to oversee thousands of Mutual Funds for hundreds of thousands of investors of all monetary sizes and styles. There are extra Equity Mutual Funds than there are particular person Equities on the New York Inventory Change. Most buyers in the present day will make use of many Funding Managers and never really speak to any of them.

By way of her years of service she became a very skilled manager in the finance and banking sector, she has a serving and disciplined attitude towards her work and does every thing in a very professional method to bring the perfect outcomes to our purchasers. One of many reasons for such low usage, de Gantès mentioned, was because Indonesians still favored services provided by typical lenders over monetary expertise providers, equivalent to peer-to-peer lending and payment methods. No one is left untouched by the influence of cash. We all should depend on banking and monetary service providers for efficient use of our money. Be it lending, funding, or insurance coverage, people need to rely on banking and financial service providers.

ERP System is a database system that helps the management of medium & large corporations or organizations by processing knowledge. ERP system covers all areas of a enterprise like HR administration, CRM, supply chain administration, gross sales, buy, inventory, accounts and many others. It connects all departments together so that user might be able to access all knowledge collectively. At the same time, we create the required key skills for enterprise with automated and autonomous fleets – from our personal assets and in cooperation with partners. Our goal: We always need to supply our clients tailored gives for every state of affairs in life – we name this “mobility at your fingertips”.

Creation of The Portfolio: This is something that can’t be achieved excellently simply by any company. Only the top notch ones will work the very best to provide with completely marvellous results on the portfolio. They’ll change in addition to customize them in accordance with the customers. Also, they’ll assist in managing them. Uber is creating a brand new division referred to as Uber Money to handle its growing monetary providers enterprise. The group will oversee all the pieces from the company’s credit score and debit card choices, to digital wallets for riders, to products used by drivers to receives a commission in a timely manner.

Minimizing the risks: The risks of both financial services in addition to producers are minimized by the presence of insurance coverage companies. Numerous forms of dangers are lined which not solely supply safety from the fluctuating enterprise situations but also from dangers brought on by pure calamities. You possibly can convert your International Factors to KrisFlyer miles in case you maintain a sound MUFG CARD American Express Card issued in Japan. 2 KrisFlyer miles for 5 Normal Chartered Credit Card Rewards Level (Std$).

The Financial Providers Authority’s Role And The Future Of The Finance Sector

The latest version of our Ladies in Financial Services report has discovered that the trade is finally making progress on gender variety in the workforce. HSBC is one of the world’s largest banking and monetary services organisations. They serve around fifty five million prospects via 4 World Companies: Retail Banking and Wealth Administration, Commercial Banking, International Banking and Markets, and International Private Banking. Their network covers around 80 international locations and territories in Europe, Asia-Pacific, the Center East and North Africa, North America and Latin America. With around 6,600 offices worldwide, they intention to be the place the growth is, connecting customers to opportunities, enabling companies to thrive and economies to prosper, and in the end serving to individuals to fulfil their hopes and realise their ambitions.

While choosing a monetary companies firm, you should not sacrifice on the ensures at any time. Always have an in depth contract that clearly underlines and particulars the expectations from your end, as well as that of the company. Go through the contract correctly to avoid dangers of hidden bills in future. Shoppers commonly turn to us for international compliance related recommendation and when they need to conduct inner investigations relating to their shopper or wholesale businesses or in the area of monetary crimes. We advise boards of directors on essential strategic questions. We additionally provide hands-on advice to the workplaces of general counsel and compliance officers on day-to-day questions.

TAF has a detailed relationship with Banks to make it easier for patrons to deal with their payments. If a small enterprise owner is confused as to why they need to select to outsource bookkeeping services, maybe the reasons for outsourcing on the whole are unclear to them, as nicely. The multiplicity of monetary services, which produced the unrealistic surity, might have corresponding results connecting to buyer confusion and repair value sound judgments as famous in different sectors the place product proliferations came about. However, earlier debates haven’t looked at shopper confusion in financial service industries.

Corporations focusing on the distinctive area of financial services public relations have to use every means at their disposal to repair the broken reputation of the financial sector. This can be achieved through intensive print and media interviews, where CEO’s and CFO’s do interviews to try and put a human face on the financial services sector. That is necessary because many individual in the United States of America and overseas view the financial providers sector as a faceless conglomerate of evil, grasping individuals who sit in back rooms counting cash while harmless human beings endure and can barely afford to make ends meet or to put food on the desk.

Credit score providers might assist people by rising our quality of dwelling. Banks and lending agencies provides credit score for nearly every need. You will get loans not only to buy a dream house, or luxury automobiles, but also for emergency medical remedies, higher schooling, or even a mortgage for a wedding. Most individuals profit from a monetary plan and for this purpose, the providers of knowledgeable monetary planner is required at certain occasions. A few of the most essential benefits of making use of planning providers are to work hand in hand with a trusted advisor, analyzing risk tolerance, eliminating the chance during monetary crises and to prevent the prevalence of the monetary disaster in the first place.

Financial Providers › Bar Harbor Bank & Trust

The benefit of creating financial transactions and monetary companies on the whole, had first been revolutionised when telegraph companies launched wire transfers. Underbanked: the true development engine. However, the underbanked client doesn’t have full access to conventional monetary providers. As such, technology-enabled business fashions offer a more effective technique to serve this segment, creating new market alternatives. This segment represents the largest potential and the true development engine in digital financial providers. Shopper tech platforms are properly positioned to achieve share in the underbanked section given their giant, increasing and engaged buyer base. These platforms have the power to seize broader buyer lifetime value by way of a fuller suite of shopper companies.

If you want to discover something moved out, do not be nervous to make a take care of the purchaser. Our automotive patrons keep present with present market prices for vehicles, so you already know that you’ll be getting a neutral supply every time. Ultimately it’s all as much as our nearby junk removal Staten Island company. Santander develops services to meet the needs of its prospects. We make full use of our international expertise and tailor it to each of our markets. To protect their repute banking and financial providers firms and their executives should safeguard crucial financial knowledge from publicity.

Whereas the agency does not have an estimate for the annual growth of digital monetary services, de Gantès said it would require extra gamers in the field. For instance, the cost system sector is dominated by solely two players, Lippo’s OVO and Go-Jek’s Go-Pay. Blockchain’s failed guarantees might be a compulsory class in enterprise school for how not to construct a sustainable organisation,” says Tim Swanson, head of market intelligence at blockchain company Clearmatics. He provides that, in most cases, entrepreneurs have just recast the identical market, but with their technology the centre.

You may convert your Metrobank bank card Reward Factors to KrisFlyer miles if you maintain a legitimate Metrobank bank card issued in the Philippines. Brief time period funds are traded in cash market. Members right here search for borrowing and lending for a brief period of time which is usually in a single day or some days. It is a section of financial market the place financial devices which are extremely liquid and have quick term maturities are traded.Quick time period cash necessities of the debtors can be simply meet with funds provided by money market.

Speaking on the same event, Indonesian Monetary Expertise Association managing director Mercy Simorangkir said there was an important lack of human resources in enhancing Indonesia’s digital monetary companies. Convert your POSB Loyalty Dollars to KrisFlyer miles with a taking part POSB bank card. and the shortage of PPI providers who are usually not linked to banks or different lenders. Tambok said in increasing the network of banking providers to unbanked individuals, BNI presented Agen46, which served as the middle man for cash transfers, account opening, deposits and cash withdrawals, mobile phone credit score and electrical energy token purchases, monthly invoice payment dealing with, akin to for electrical energy and water payments, and different companies. Kudo’s brokers already have related providers.

Financial Planning Service Companies

Other than offering a wealth of knowledge, the Internet has also develop into an avenue for companies to supply services for his or her purchasers. This version of the report takes a panoramic view of gender diversity throughout all stakeholders. This may result in creative solutions in defining an motion plan, embedding range and inclusion as a part of enterprise technique, and calling for public commitment to gender equality in monetary services. And in doing so it pushes the problem into the daily path of the CEO and government committee. UPGREAT is a new cell platform from Nice Eastern the place clients can get pleasure from all their loyalty benefits and rewards digitally anywhere, any time.

Convert Reward Bonus Factors to KrisFlyer miles with a collaborating Bank Danamon Platinum or Infinite bank card issued in Indonesia. Rapidly pinpoint the fitting prospects: For an actual-time segmentation, firstly b2b marketers must determine what the requirements are – includes services provided by the corporate, target region, target decision makers, goal income, goal trade. We’re a number one international banking group, with a presence in 60 of the world’s most dynamic markets, and serving shoppers in an extra eighty five. The Spot Gloss business playing cards and Print menus are in excessive demand because there are new restaurants and business organizations who need to offer providers and products to customers and purchasers.

Share of Wallet, Share of Portfolio are all essential measures to banking and other financial services organisations. The costs to accumulate a customer are high. As soon as acquired, any financial institution should be seeking to maximise the chance to extend their relationship to improve the profitability of the individual buyer. More and more people are opting for services like Bitcoin and peer-to-peer cellular transfers, the place a community operator could help users transfer funds by simply sending an SMS. Though these are indeed more environment friendly, they are a good distance from world acceptance as a result of there are many who nonetheless should not have financial institution accounts, plus there is the problem of restricted person identification in such providers.

For most people, administration of taxes is a gargantuan process that they have to do yearly and this takes up most of their time. In case you’re coping with business taxes, this job can get even tougher. A financial advisor will provide tax recommendation providers and information you thru the entire strategy of filing your tax returns. A financial advisor may also ensure that you get probably the most out of your tax returns. We additionally advise on honest lending examinations and enforcement matters across the spectrum of financial providers services.

Robust steadiness sheets will hold banks related. Regardless of the march of recent gamers getting into the market, it is going to be troublesome for purchasers to move away from banks fully. Banks have capital entry and regulated deposit arbitrage. Pure-play fintechs will find that stability sheet funding stays a potential risk to scaling business. Elevated data portability by open banking can accelerate a shift in enterprise models with a broader array of alternatives for innovation. The No. 1 precedence for financial companies organizations in the present day is getting the customer expertise right.

Uber Cash Is The Firm’s Newest Attempt To Develop Into Financial Companies

Financial growth brings growth in monetary industries. Credit score unions have expanded into the realm of economic companies as well. Most provide loans for a wide range of wants, including private loans, car loans and mortgage loans. Interest rates are normally a bit decrease than those at other commercial lenders, and generally their qualification necessities are easier to satisfy. Before searching for a automobile, boat, motorbike or residence enhancements, chances are you’ll wish to contemplate speaking to your credit score union. Procuring with a pre-authorised, lower rate loan from your credit union will increase your bargaining energy and your buying energy. Many credit unions can also write student loans and signature loans.

The Amplify Credit Card is offered in South Australia and the Northern Territory via BankSA – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 2337614 and – throughout the remainder of Australia by St.George Financial institution – A Division of Westpac Banking Company ABN 33 007 457 141 AFSL 2337614. Westpac Banking Corporation is the issuer. Terms and situations, charges and expenses apply and can be found on request. Credit card purposes are topic to Financial institution SA’s normal lending standards as relevant.

Whether or not it is providers provided by a contract accountant or by a company offering accounting outsourcing providers, in both the cases, you will be benefited if you are the one to render the accounting providers, as a result of both of them would be providing their services at aggressive rates. However you will be able to focus on other essential aspects of your online business, your business and thus will earn more income for the corporate. You will also be able to save on training your newbie staff.

You possibly can convert your Metrobank bank card Reward Points to KrisFlyer miles in case you maintain a legitimate Metrobank credit card issued in the Philippines. Quick time period funds are traded in money market. Members right here search for borrowing and lending for a short time period which is normally overnight or some days. It is a segment of monetary market where monetary instruments which are highly liquid and have short time period maturities are traded.Quick term money necessities of the borrowers can be simply meet with funds offered by cash market.

A monetary organizer is a monetary service supplier that helps his or her buyer arranges their lengthy haul monetary objectives. A Financial Determination Maker knows about a couple of distinctive industrial items to help their clients. These incorporate residence and evaluation organizing, retirement investment funds, obligation management, and safety necessities. A financial organizer is there to present the consumer an entire monetary arrangement from the prompt pay era to preparing for the long haul future. Monetary organizers haven’t any guardian duty to put your enthusiasm earlier than their very own. In any case, a monetary organizer depends on decent notoriety and customer proposals to bring home the bacon.

Financial Providers › Bar Harbor Bank & Belief

Not all obese sufferers who’ve the will to drop some weight have the financial means to afford it. Many are asking whether or not there are institutions or insurance companies who’re keen to offer some help for them to get a gastric bypass surgery. SELF-SERVICE. Self-service and the customer must be a primary focus for corporations on this new monetary service world, in line with IBM. AppViewXS is a self-service portal corporations should buy, so prospects can examine the status of their account and acquire instantaneous entry to out there services. Buyer questions and considerations are addressed more rapidly, states an IBM representative. This technology automates many processes; the result is that workers workload is diminished whereas representatives function sooner and extra efficiently.

Hong Kong: Simply register as a DBS Omni member and login to DBS Omni. Below eSHOP”, you may redeem KrisFlyer miles along with your most popular DBS Credit Card, click here to study more. CFSI was founded in 2004 to shine a spotlight on the needs of millions of unbanked and underbanked Individuals and to leverage new technologies to increase their entry to monetary services. We believed that entry was the largest barrier to monetary success, and through our analysis we helped financial services corporations higher perceive the opportunity to assist underserved customers.

Taxes are a form of profit utilized by many governments around the globe to raise capital for public-related providers. Yet, not all countries use taxes as their sole source of earnings. Some, with a blessing of natural resources, use these to boost funding for governmental workplaces, and providers. The Athenians used this income to fund their public providers. Within the Center Ages, serfs paid rent, and nobility paid off authorities deputies to overlook drafts for struggle, and both of those types of revenue provided governments with a stock of money. The articles included herein provide details about taxes, tax planning, tax preparation, earnings tax filing, types, deductions, return and more.

Correct and up to date Bookkeeping & Accounting providers improve the ability of a agency to deal with enterprise growth and concurrently truncate the dangers and costs too. There are numerous Corporations for same services that work for small and medium companies throughout the globe. Probably the greatest ways to extend sales is to extend credit terms to your enterprise clients. Companies that extend credit score have a mean of 37% higher revenues than corporations that do not. Extending terms to your customers allows them to be flexible with their payments and pay you in accordance with their individual cash flows.

To really profit from financial planning you need to be as open and honest as you may as only when your monetary advisor really has an understanding of your targets, each long and quick-time period, can they set into movement a plan of motion that’s suited to you, your lifestyle and future. The event of your personal monetary plan is barely the beginning of a long run relationship, monetary planning providers needs to be ongoing and embody an annual overview of the performance of your investments, any adjustments in your state of affairs and what needs to happen subsequent to hold on meeting your monetary targets.

High 4 Tendencies For Financial Services Recruiting

Most millennials at the moment are in there 20s and 30s, beginning a profession climb and in addition the time when you’re making main financial selections. From our transformation expertise with many portfolio corporations, we find five widespread actions are wanted for success. Corporations have to purpose high, by setting formidable targets. They need to staff a change-oriented management staff supported by best-in-class external topic-matter specialists. Time to impact can be sped up by relying on a tried-and-tested playbook and execution coaches. Companies have to push the boundaries of what is attainable by trusting information and benchmarks as opposed to intestine instinct. Finally, they should put collectively a governance model that emphasizes worth and not process.

Furthermore, this service is useful to prospects as well as the financial establishments. It’s a “win-win’ scenario for both the financial institute as well as the client. The financial institutions can arrange this technique at a low price and pass on this profit as a low payment to the client. As a buyer, your banking needs are handled simply and shortly at a reduced fee, saving you money and time. This profit is even better for those people who would not have a relationship with any traditional monetary institutions.

In addition to loans, many credit score unions supply additional monetary providers. These include dividend bearing checking accounts, which usually carry no charges and pay better curiosity than most bank’s savings accounts, and better charge certificates of deposit. Most now offer low or no-payment access to automated teller machines and debit playing cards that can be utilized nearly wherever. Bank cards are also accessible at most credit score unions, with discounted fees and extra reasonable rates of interest making them more engaging than national offerings.

Implementing e-KYC know-how has always been part of PrivyID’s commitment in building the foundation of Indonesia’s digital economy. With around 171.6 million or sixty six% of its inhabitants remain unbanked, PrivyID believes that Indonesia will benefit greatly from improvements that could help financial companies to onboard new clients more efficiently. PrivyID’s internet-based buyer due diligence technology and legally-binding digital signature service enable prospects and monetary service suppliers to attach with one another more instantly than ever.

Datamatics Financial Providers Ltd. is a global provider of Enterprise Process Management (BPM) options with over 35 years of expertise. We provide world-class options for Customer Acquisition & Retention Resolution for bigger market share, Database Management and Analytics with intelligent knowledge tags for higher probability of sale, Payroll & Cloud HCM for consolidated payroll processes, Research and Intelligence companies for strategic determination making, Finance & Accounting solutions for spends management & analytics and Multi-Channel customer interplay for elevated customer satisfaction.

Mbiz Collaborates With Investree To Provide Financial Service

Not all obese sufferers who have the desire to shed extra pounds have the monetary means to afford it. Many are asking whether or not there are institutions or insurance firms who are prepared to supply some assist for them to get a gastric bypass surgery. The behemoths are significantly targeted on investments in knowledge and analytics, the new frontier of competitors. JPMorgan Chase has $5 billion earmarked for funding in fintechs of all kinds, together with analytics specialists. All of this spending is creating stress on smaller rivals and has already led to a few mergers of regional banks. To make certain, the playing area has leveled considerably, as information availability has elevated, and the prices of information storage and computing have fallen radically. But most smaller establishments have not yet successfully used analytics to take advantage.

An aside, from our perspective it is a lot, a lot simpler to assess monetary prospects of individuals versus financial markets, corporate entities, whole economies, and so on.; throughout financial calamities some individuals fare worse than others, and the diploma is mirrored in the patterns of their distinctive complete charts together with the checks and balances of our programs of research. The crimson-flagged timeframe of 2016-2018 has appeared again and again in so many charts that now we have to bring it to your attention.

The Amplify Credit Card is offered in South Australia and the Northern Territory by means of BankSA – A Division of Westpac Banking Company ABN 33 007 457 141 AFSL 2337614 and – throughout the rest of Australia by St.George Bank – A Division of Westpac Banking Corporation ABN 33 007 457 141 AFSL 2337614. Westpac Banking Company is the issuer. Phrases and situations, fees and fees apply and can be found on request. Credit card purposes are subject to Bank SA’s regular lending criteria as applicable.

You also needs to be sure that the company has got license from the involved authorities as well as permits from relevant regulatory authorities in the nation. Ask for recommendations from mates and recognized ones in the metropolis to confirm the authenticity of the company. Undergo opinions in trustworthy magazines or seek for details about the agency in online blogs and discussion forums. You should also undergo the company portfolio and discover out about its present and past clients. You might call up a number of of these clients and get their feedback in regards to the services of the firm.

Other than these two essential advantages that people can come around with they should also be sure that there will be far more advantages if folks choose the perfect ones for themselves. Only the very high financial companies corporations can guarantee of the truth that one of the best services shall be provided. Banks function intermediaries between main lenders, or depositors, and the last word debtors. Business banks, financial savings and mortgage associations, savings banks, credit unions, and money market funds compete with nearly similar services and products. The articles included herein relate to banking and the monetary system.